oragatang outreach started the program. they provide them with unlimited awareness opportunities and raise awareness of the visitors to protect the apes in the wild. other is zoos are there, and i'm not making fun of them, believe me. >> wait they want to text and e-mail. >> more trouble than i thought. >> goods released on monday, durable goods expected to rise a 1.7% following a rise of seven-tenths of a percent in december. it's an order placed with manufacturers for immediate future delivery of hard goods like dishwashers, refrigerator, and cars. david? >> the policy statement, wednesday, at 2:15 p.m. eastern. the fed is not expected to change its course on the bond

buying program, but some are expected to hear more debate about the timing of when to pull back and sell off the portfolio. the minutes from the previous meeting revealed some members wanted to end the program early, and that sparked a market selloff. >> 2:15 on wednesday, david. have a wonderful weekend. >> here's praying for apple stock, everybody. >> money is next. melissa: here's what's "money" tonight. tim guy near -- geithner out the door, and president obama said he was one of the best ever. we have his report card and whether jack lew can do better. may be the end of the union as membership plunges to a 97-year low. there could be one thing to save the union. we have the former chief here to explain, and there's swatting and mansion swatting. a brazillian man just moved himself into a 7500 square foot

palace in florida, and legal loopholes could let him keep it for good. you won't believe the story. even when they say it's not, it's always about "money." ♪ we start by saying good-bye to tim geithner and his reign as treasury secretary, hanging up his hat after four years on the job, people questioning what side he was on, a wall street crony, a washington insider. did he do right by the banks or the american people? what do we have to look forward to with his successor, jack lew? money power panel is here to see if he made the grades. penny, a member of the fix the debt committee and a former minnesota congressman. susan worked under geithner at the treasury department, now a

senior fellow with the aspen institute, and steven haste, a writer. a lot of seniors here today. welcome, everyone. susan, starting with you, an " f"; right? you walked by the guy. trash your boss. let it rip. >> an "a," he leaves it on the field, stood up so many times in taking courageous stances against political will. you know, i was managing the t.a.r.p. office for a period of time, and he stuck with us when it was not politically popular. there was a time he could have shut it down, and he said, you know, we're not there yet, the american economy is nos recovered, worried about the credit, and we kept it going, a real testament to him and his moral leadership on this. melissa: steve, are you that gracious? >> no, i wouldn't be that gracious. i give him a "d" -- melissa: oh, oh, a "d"! >> a generous "d," and i see

what sigh san is saying in that i think the strength was he was more an ideolog, a strength, but he has to answer for the dramatically escalating debt that took place while he was treasury secretary. the fact that the president didn't take it very seriously, and then his comment to paul ryan i thought was a telling one saying to paul ryan we don't have a definitive solution to the problem, but we don't like yours. you got to have solutions if you're the secretary of treasury. melissa: tim, what do you think? can you cut it in the middle. we have an a and a d, what do you give him? >> actually, i feel right in the best place. i give him a c-plus, better than average, better than average. he had a tough job over the last four years, and i'm not sure anybody could have scored an "an," even though my colleagues think so. at the start, he didn't start well or end well.

the stimulus package at the beginning of the administration was largely untargetted and unproductive, and didn't really help us. melissa: is that really something that he designs? i feel like you give the president a "d" or "f" for that. he's just carrying out the policy. >> part of the team, but he was not effective in convincing the administration that they needed, if they were going to deficit spend in order to bridge us through the recession, they should have put a far larger share of that on infrastructure because that would have built us a stronger economy in the future. instead, they spent a lot of the one-time stuff that didn't build the economy for the longer term. ended badly by, i think, insulting congress and the public with a fiscal cliff offer on the budget that really other than taxing the rich did nothing to give us deficit reduction or

offer accommodations or not entitlement spending that's the longer term debt driver. melissa: susan, talk on the stimulus, how much is directed by him, and how much he had control over or warn what was coming down the road in terms of the bills. what do you think? >> there's revisionist history going on with my fellow panelists, i think. part of the negotiations around the stimulus at that time, republicans wanted even more of the stimulus to be in the form of tax cuts. one-third was tax and two-thirds stimulus. they already didn't like the plan. this was a negotiated solution what we had, and so the idea of putting more money into infrastructure, absolutely, all for it, and tim would have been too 6789 what's the political environment you operate in, and it was not going to happen at that time. unfortunately, that problem persisted, but if you remember, you know, take yourself back to the fall of 2008, beginning of 2009, and you look at the tenure here. we had gdp contracting at, like, 8%.

we were hemorrhaging jobs, and the idea that he didn't pull us back from the brink, i mean, we could have easily -- melissa: he gets create for that, and, steve, maybe you can address this. the problem is the housing mess is what got us into the crisis, and he didn't do anything to deal with fannie and freddie, and i don't know, that was a place where i feel like with his insight in his position, he could have had real leadership. >> anything at all. maybe it's back to what he did before that that he didn't want to step up and respond to that, and maybe he didn't have the influence that the president that some people hope he might have. on the tax cuts, with respect to the stimulus, we want tax cuttings that would have been stimlative, not cuts tied to ideological projects that the president and democrats in congressmented. i think they would have been open to more infrastructure spending or a higher percentage of spending on infrastructure if the tax cuts had been structured the way republicans thought would be more stimlative. they were not stimlative. and the president, himself, said later of the spending on infrastructure that there were

not that many shovel ready jobs. melissa: one place to agree where he was good was everybody argues a friend of the banks or of the average guy, and i think we all think he was an enemy of both, and maybe that was a good thing. i mean, i don't know, what do you think? >> i would say that's why i place him somewhere in the middle with the c-plus because i think in there there was a reasonable balance. i'll give him kudos handling the financial industry and the consumers in that process. melissa: yeah, okay, susan, last word. >> i would never call him an enemy of both, but helped average hoamples, not -- homeowners, not all the policies worked, but it was not for lack of trying and spurred lending to the small businesses that worked. melissa: a great panel. i'll bring you back together. thank you so much for coming on. we appreciate it. >> thank you. melissa: changing gears, end of unions? you know 400,000 members dropped last year? overall membership fell to 11.3%

of the work force, lowest level since 1933. we wonder why. peter, a former chairman. national labor relations board. what's the theory? why such a big decline? >> well, divide it between public sector and private sector. melissa: sure. >> in the public sector, there was a drastic decline because of the cuts made by state and local governments. they cut roughly 700,000 jobs m i think that's the principle reason why in the public sector it declined, but, alsoing i think you'll see an increasing understanding by american citizens that collective bargaining doesn't really make a lot of sense in the public sector. i mean, here you have unions using their money and power to elect officials, and then they sit down with the state and local officials to negotiate a collective bargaining package. it doesn't work. melissa: why doesn't it work? >> because they get too much. they get wages, benefits, and pension plans that the state and

local governments can't afford. melissa: still, unions, i mean that's not a reason for dropping from the union. you like the idea they get me great benefits that looks good. i don't think a lot of people believe down the road the reality of it is they will not actually receive that money and those benefits because the tax base doesn't support it. do people realize that and realize unions are not working in their best interests in i don't think so. >> no, i think that's a god point, but what was really prior to that, there will be a change in state laws. there is a change. you see, in wisconsin where collective bargaining rights are now limited, and i think you'll have that throughout the country, and i think people will support that because, again, there are wages and benefits and pensions that the state and local governments can't afford. the point is a good one, but that's the way i see that. melissa: you know, of course, more right to work states where if you were not compelled to join the union, a lot chose not

to. could be because they thought it was not in their best benefit or couldn't afford it. the average membership fee was $85 5 in 20 # 11. as soon as you didn't have to be part of a union anymore, people might have said, even if they wanted to, you know what, i just need that money. >> well, that's true. i think that in 2012, there's about 1.8 million jobs that were created, most of those jobs are nonunion jobs, the right to work laws, giving them the opportunity to be a member or not, but also, in my view, because some unions can sap the entrepreneurial spirit out of a company. rigid work rules, seniority without performance, benefits and wage packages if the employer can't afford it. you see the entrepreneurial spirit in smaller companies or companies that are notary public yiewn -- nonunion versus the unions. melissa: how can they come back?

for example, more than half a million white members dropped out of the union rolls last year, but statement, 150,000 latinos join unions. i mean maybe focus on a different demographic? >> well, unions will always do well with low income, unskilled jobs, and the reality of that is because they are low skilled. they don't pay as well, and you'll have a greater percentage of employers apt to take advantage of their workers, but i don't think that's really the way that unions are going to see a resurgence. i don't know if they will see a resurgence, but one of the ways they can do is to try to have a different union model. the current model is a combative one. modern workers want a cooperative relationship with the employer. in addition, most american unions, unlike, for example, japanese unions, do not put a great deal of emphasis on the need to have a profitable employer. you have to have a profitable

employer for jobs. melissa: yeah, no, that's true. the folks at hostess learned that the hard way. thank you for coming on, appreciate the time. >> you're very welcome. melissa: the bulls looking unstoppable now, bullserred by another round of strong earns. s&p climbed for the 8th straight session, the longest winning streak since 2004. the dow climbed towards 11 session of the past 12. nasdaq recovered after being dragged down by apple yesterday. if the government couldn't hammer you with more taxes, think again. states across the country look to hike the gas tax. brace for impacts there. what do you get when you combine 100 private jets at least, thousands of bottles of wine, and derek jeter? it's not world peace, but the davos world economic forum. the conference tries to change the world, but is everyone there just to have a good time? i don't know. we'll explain. more "money" straight ahead.

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♪ melissa: according to mastercard, we're pumping less

gas than years. could be good news for environmentalists, and more than a dozen states are now looking at ways to make up for the cash. you can bet one way or another, you'll foot the bill. sorting it out, senior petroleum analysts, patrick, welcome back to the show. thanks for coming on. >> thank you. absolutely. melissa: this is turning into a real problem. the mastercard data saying, you know, they were, i think, it's back up in the last week or so, but we hit, you know, a historic low in terms of the amount of gas we're using. federal fuel efficiency standards passed last year required by 2025, our cars are almost twice as fuel fighter as they are now. states are in a bind saying, oh, no, less gas, less revenue; right? >> they are freaking out. obviously, you highlighted the basis here. a lot of state governments are looking at ways to protect their revenue streams, and they've seen the streams shrinking, and

everybody's looking at ideas. there may not just be one simple answer. virginia is looking at one type of tax, looking at scales back the gas tax and raising sales taxes. other ideas are proposed, but there seems to be no shortage of ideas, and you can bet that something's going to happen with the majority of the states searching for more revenue. melissa: no, it's faze nateing to see how different the solutions are. you mentioned virginia, and we had the governor on recently talking about getting rid of the gasoline tax all together in the state which i was ready to, you know, hoot and holler, sounded like a great thing, but shifting to a higher sales tax to replace the revenue because that was rising faster. other states are trying to raise the gas taxiing the revenue go away, trying to grip on to whatever they can there. i don't know, what do you do yok is more effective? what's the impact of all it? go ahead. >> there's crafty ideas out

there, and motorists need to pay attention to what's going on because this is going to effect us in the long run. now, there's a huge debate, is it fair for governments to charge taxes based on whether or not you drive, how much you drive, what's fair here? some ideas looked at have to do with gps, tracking the miles driven. obviously, that stings if you transport things or what have you, and it's good for the folks that use mass transit and don't drive at all. there's so many options on the table, so many states. this is a complex issue. there's not one state right now with the same gasoline taxes, and some states are low, some states have not increased in 40 years, and look at the price of constructing roads. something's going to happen. melissa: yeah, and you tax the things you want to discourage. that's, like, the basic way the economics works out. if you tax gasoline more, you're so close to the data, you watch

this all the time. will people drive any less? i mean, will they get rid of the revenue they get as it is, or are we at the point where it's hard to drive less? >> would be hard to drive less. there's potential they can drive less. they can be more first time or car pool more often, but the higher prices go, the more demand there is forcing people eventually to look at different ideas or force americans to become more fuel efficient can brings us to the huge debate here in the first place. gas taxes have been so low for this amount of time, but now gas prices are the reason americans are cutting back, and now the governments are looking to catch up with the rising gas prices by instituting more sales tax, gasoline tax, or gps based tax. ideas are on the table, of course, as we said, and the motive is they need the revenue. melissa: absolutely. oregon, washington, vermont,

wanting to to be in the cars wih you. tax your miles. that's spooky. government in the seat next for you. >> thank you. a brutal cold snap in full force. i think i lost two toes to frostbite on the way to work this morning. i have to check that out. futures, and milder temperatures next weir, wahoo! lowering the outlook for gas demand, though. coming up, oil futures saw a slight loss today, and posted their seventh week gain, longest advantage in four years, and chavez's health problem taking a toll on venezuela's oil industry credit line. investments from chinese, india, and russian energy companies reportedly drying up. chavez had the fourth cancer related surgery on september 11th, but has not been seen or heard from since then. coming up on money, the economic

forum wrapping up, and surprise, surprise, they didn't solve any of the world's problems. maybe because it was more like a billionaires frat party. about the over the top excess; plus, a squatter makes his dreams come true. he is living large in an enormous florida mansion. i mean, this place is really nice, a ridiculous law may allow him to keep it. you definitely want to see this one. i think maybe i can learn something from this. you ever have too much "money" or too many mansions? i don't think so. ♪ [ male announcer ] you are a business pro.

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♪ melissa: you are looking at beautiful dolls, switzerland. home to world-class skiing, luxury hotels, fine dining.

the home city of the yearly economic forum, an event where the world financial and political elite decide what is best for the rest of us. delegates can spend hundreds of thousands of dollars to get there. they stay in posh hotels, bob elbows with celebs like derek jeter and shirley's thrown. it sounds good, but does anything actually did that? is it just like the world's fanciest tagger? here to help us figure this one out, united adviser chief market strategist. he's actually a party expert. what do you think? >> my reputation precedes me. >> it think it does. did they do anything in doubles? >> it's kind of like the world's biggest tagger or the best kicker. it really is a matter of just being seen and exchanging handshakes.

nothing does get done. you mentioned it. this is something that goes on every year. last time i checked there has been a financial crisis ever year. this anything did that? probably not, but it's a fun place to be. melissa: a super awesome ski event. one thing that i love about this is that the big paper and puts the paper that had a time, this whole thing and how we have to spend six to jillion more dollars every year on climate change or we will all burst into flames as something like that. and at the same time it got me wondering about the carbon footprint of double sets of. trying to check out what a mess it makes. it turns out that more than 100 private jets flew into the zurich airport and had to start diverting them to san barrettes because there were too many private planes clogging up the zurich airport.

it could not fit anymore. if you look at the data it was 12,000 tons of co2 that were admitted. but don't know if it's as good for the environment is that would like to think it is. >> the numbers are pretty scary. totally contrast. i am sure the people actually love the headaches that it creates. not many people live there either, so it's like a total takeover. another interesting thing, these days and the way the world is with everybody struggling to get economic growth and get their deficits under control the one thing to keep in mind is everybody is very centric these days. the u.s. problems are not the european problems of the chinese problems with the indian problems. there are a lot of other things going on that each country has to address that is so centrust. how could anybody get anything done because everyone is off after their own policy? melissa: other things that i loved about this, did you know

the theme of this year's meeting was resilient dynamism? >> what does that mean? stay longer. stay maybe 20 minutes extra in the hot tub. melissa: can't first set but it does appear to do with the dynasty which would be just the wrong message from them. it turns out it's about continuing to be dynamic and being resilient and a changing environment. it kind of makes you want to vomit. >> maybe it the fact that the dynasty, if you will, i like your take on that. it's more and more crazy and just out of whack. step. melissa: thank you for coming down and helping me get to the bottom of this. >> i think we made some progress. melissa: it does like fun. you have to give them that. thousands and thousands of bottles of wine a good truck, so that something. thank you for coming on. have a great weekend.

next on "money," have you ever driven by a gorgeous thousand in the living there? one man in florida may that fantasy is reality by squatting in side of waterfront mansion. i mean mansion. a bizarre law may actually let him keep it. enceinte. a potential game ginger coming in the form of a $14 billion plant in louisiana. one of the men behind it to will explain. piles of "money" coming up. ♪ at a dry cleaner, we replaced people with a machine. what? customers didn't like it. so why do banks do it? hello? hello?! if your bank doesn't let you talk to a real person 24/7,

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♪ melissa: talk about squatting in style. andre about buses is a 23 year-old brazilian national mood can safely say he has one of the nicest pat on the block. he is living the good life. the 7500 sq. ft. five bedroom six bathroom waterfront mansion with its two and a half million dollars. it's not really is. he is squatting in this palatial home which is vacant because it was foreclosed upon last summer. we could hardly believe this story when we heard it. here to break it all down, making sure this does not happen

, general counsel. thank you for joining us. this is all predicated. >> the adverse possession law dates back to english common law. back then the purpose was for people to take vacant pieces of land to cultivate them, farm, improve the lands. i cannot imagine that anything like this was over and above process to take a two and a half million dollar home and call your own. absolutely not. melissa: that break down what he did because maybe i want to do it because it is pretty fabulous house. this is a house that was foreclosed upon by bank of america back in july, we think. this guy showed up and he moved in, and he just started living in this fantastic mansion. there you go.

july 12. nobody saw him go in the front door. apparently he cannot be prosecuted for breaking and entering. he has been leaving there. police showed up because every -- neighbors realize there was someone living there. police show up and he had a document that said that he was living there under the adverse possession law and that he was a squatter and they did not remove them. you understand this? >> the document that was presented, it is an adverse possession form. all a person has to do under florida law is filiform in all its detail, have it notarized, and they have to submit it to the property appraisers office in the county in which that home is domiciled. here where we are in our county we get these forms of the time. but the form itself on its face says that it has no legal enforceable significance. melissa: maybe the cap could not read. and not sure. but bank of america -- >> the form just --

melissa: this is what i don't get. bankamerica owns the house. why don't they get the police and show up and say get out. wouldn't that be the solution? >> that is completely the solution. the problem in many situations like this, when it's a bank, when it's not an actual person, there are many states away, lever division is handling the actual foreclosure of this property is far, far away. they don't know is there. now that they have been informed , they're taking legal action, but the owner of property loans that property. they own that property even while one of these forms is filed. we have it here in brouwer county all the time. now, the interesting thing is the law also says that if the property owner pays the taxes for the year after this form is filed, the property appraisers office must remove the form from its record. so then it's gone.

in brouwer county currently we have 19 cases where forms of been filed against property. melissa, i have had seven this month alone. melissa: even more when people here about this. if he did somehow managed to stay in the house it would be his house. other places like arizona, you only have to stay for two years in and it's yours. with so many foreclosed properties at think people will look into this. before they do let me give you to weigh in on our money meter on a scale of one to money, where you think his chances are that he is going to be able to stay in this house and keep it? >> one. melissa, if your money mir had negative numbers it would be in-00. keep in mind, they have to pay the property taxes. they have to pay any outstandingly and the property. it's not free. you don't move in and get it. melissa: the property tax in this house is $40,000, and an extra never wants to buy it

anyway. there's a lot going on. thank you for coming on our show. we appreciate. here is our "money" question of the day. would you ever squad in the house if he needed in a pony? have a lot of fun with this one. unfortunately no one is seriously considering it. we want to hear from more of you. like us on facebook. follow me on twitter. sorry. a look of there. so a $14 billion investment is coming to louisiana, and it could prove a revolutionary breakthrough for u.s. energy production. one of the man behind it stands is to explain at the end of the day it's all about "money." ♪ to grow, we have to boost our social media visibility. more "likes." more tweets. so, beginning today, my son brock and his whole team will be our new senior social media strategists. any questions? since we make radiator valves wouldn't it be better if we just let fedex help us to expand to new markets?

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melissa: you know, if you're a jersey shore sent -- and you might think that this stands for jim, tantamount laundry. actually stands for gas to liquid. it is coming stateside for the first time. why should you care? because the company's pending an astonishing 16-$21 billion on this believes this is going to change the entire industry. it is happening with louisiana,

and that is thanks to $2 billion in state subsidies. here explain this breakthrough process as long as how it will help our economy is a fast ball group executive andrea rader. thank you for joining us. people have called this a risky plan partially because it is so expensive. >> well, we don't think it is that a risky. we have been doing this for the past 60 years. so we're confident that technology has proven. we have been running. essentially identical to what we plan to do in louisiana. that has been running very well, and we are selling price today into the open markets at prices that are not subsidized. melissa: yes. >> we are excited and confident we can make this work. melissa: i think the risk comes from the fact that, you know, there's a lot of fluctuation in natural gas prices. in the time that i have been covering energy they have gone

from 15 to two. we thought there were going to go down and break a dollar. so there is some much fluctuation, and that is the main product you are using. what priced as natural gas have to stay at in order to make this makes sense and how much does diesel have to be? >> the real issue is not so much the absolute gas price but the multiple between gas and oil price. the technology that we have placed the arbitrage between gas prices and oil prices. today the multiple, if you look, it's about 37. our project is so economically robust and viable at a multiple as low as 16. so at today's prices we would be in a very profitable situation. melissa: the other thing, europe, the price of diesel is a lot higher. it's a lot harder to get. here we don't use quite as much diesel. it is used for tracking. you know, do you see that as a problem going forward?

do you need more of a conversion? >> no, we don't. actually, we feel that the qualities of our products are such in terms of high and selling content, low emissions, effectively at zero sulphate content that it is a really attractive as as stock, often prepared to pay a premium on top of the diesel price in order to get out. melissa: the fundamentals make some sense and the multiples work in the technology is not that tricky, why is it that everybody is not doing it? >> we are the only guys that have done this for the past 60 years. i want call this the only game in town. the technology itself is not particularly complex. the real skill is in putting this all together and to greater weight and added together with some magic and bliss and that is how we make it work. we have done this. melissa: interesting. we will follow-up on this.

we appreciate your time. good luck. >> thanks for much. melissa: all topped off with a trip to the slammer. a forgotten what it plans this customer in jail. apparently he has never heard of the dining. you can never have too much "money." ♪

♪

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♪ melissa: it is time for a little friday fun with "spare change". today we are joined by "spare change" -- -- regulars. thank you to both of you for doing this on a friday. first up, colorado governor will be running for president in 2016. currently separated from his wife and says that she offered to stay married to him if he wanted to run for president. as a side nancy is working on writing a new book. coincidence? this just makes you as cynical as ever teeseven i'm always happy when someone has the last name > my own. i think this is like hillary thing. they're only staying together if they can help each other politically. fadel think teeseven did not want to start with a fight, but i honestly did not think there

were many people out there that believe that the clintons would still be together if it was not for politics. i think this is a little bit of that. >> i agree with that. i had to gloss over that. i do think it is kind of sad for her to come out and say i will stay with you if you run for president. melissa: why are either of them? why would even admit that? >> i guess he has to run for president. melissa: why would even say that out loud? >> everybody knows it. everybody does puts it out there. melissa: ago want to confirm it. a fake political couple. next torrey, talk about a dumb play. forty-nine is running back was fined $10,500 for wearing his socks to low. the championship game. the nfl is calling it failure to conform because the players are required to wear socks i after

reached the bottom of their pants. i think he's a fan. the referee may be. >> the call it a uniform. what is uniform mean? it means everybody looking alike. that is the definition of a uniform. so if you don't conform to the uniform which means everybody -- he has the right not to be a teammate. he can quit the team if he thinks the uniform does not fit this definition. melissa: come home with a fine. >> i think it's extreme. issue a warning first, but off the bat, fine the guy $10,000? especially with the other things going on in the nfl, and they make a big deal about this? >> they do have bigger fish to fry. one goes to dinner and ends up with in jail.

he had a $200 meal at the steak house, but just as he finished up, he forgot the wallet. hant that happened to everybody? he's been to the restaurant numerous times, offered to leave the iphone, take a busboy with him getting the wallet, but instead, they had him arrested issue and he spent the night in jail. i mean, do you think the restaurant overreacted in >> that is like an understatement. over reacted? totally. i would never go to the restaurant god forbid you dpergt -- and from a marketing stand point, this is terrible. they should have let him leave the iphone. the guy's a regular for goodness sakes. this is how you treat the people that frequent your student all the time? >> i agree with you 100%. that's terrible publicity. it's going to cost the restaurant more than that $208 they were going to get from the guy. the other steak houses are happy

as clams because there's a lot of competitors here. melissa: you get there, and, oh, one time, a toll booth, and i forgot the wallet, on the way -- just blow through, and i panicked. the next day, same booth, and the woman busted up laughing and says you come here every day, you think you can blow through one day and don't recognize you? she was laughing. just say you forgot the wallet and paid me today. i said, i'm sorry. she was much more understanding than smiths. all right, moving on. who doesn't need this? it's an iphone cup holder. love it. a dutch marketing agency says between drinking coffee and texting is a dilemma that causes people to drop their phone or spill their drink. it's true. this is a phone cup holder. would you buy it? i'm always holding my blackberry. what do you think? >> as an apple shareholder,

anything for anything that shows a future because this thing is not out until april 2013. that's how long it takes to develop the project. we only have the video of it right now, but, again, apple needs every boost it can get right now. melissa: how long? i think -- >> april 2013. melissa: i can make that at home. >> the more publicity we give it, maybe sooner, but, again, apple needs anything. >> this is one of the things i see on tv, and i wish i had thought of that. it's a great idea. i'm one of the people with 8,000 things in my hand all the time. melissa: bedazzle it. the white one will not work. needs bling. okay. an iconic one from the 20s, babe ruth and al capone signed the same baseball. it's up for auction. the ball remained in the family until now. the first bid set at $25,000, but it's expected to sell for as much as $200. david, what do you think? >> what's not to like about

this? i mean, al and babe on the same -- the guy who did this back in 1931, i think, was a genius, passed it on, by the way, it's going on through his family, to his daughter, grandchildren, and i would love to have it. what a combination. >> i think it's got to go for more than $200,000. >> higher. there are people, i mean, people wanted the gold shirt, remember last time? the gold shirt, and this -- melissa: more value maybe. we'll see. we'll come back and talk about it. all right. tom sullivan has something to say about guaranteed pensions which actually are not guaranteed. >> it's illegal for you and me to mislead the product with a product or service, you knowings truth in advertising, truth in lending so why does the government get to mislead us about our pensions? actually, fewer and fewer have real pensions. those who do, they s